National Credit Act, 2005 (Act No. 34 of 2005)
Chapter 7 : Dispute Settlement other than debt enforcement
Part E : Tribunal orders

149. Interim relief

1)        At any time, whether or not a hearing has commenced into a complaint, a complainant may apply to the Tribunal for an interim order in respect of that complaint, and the Tribunal may grant such an order if-

a)        there is evidence that the allegations may be true; and

b)        an interim order is reasonably necessary to-

i)          prevent serious, irreparable damage to that person; or

ii)         prevent the purposes of this Act from being frustrated;

c)        the respondent has been given a reasonable opportunity to be heard, having regard to the urgency of the proceedings; and

d)        the balance of convenience favours the granting of the order.


2)        An interim order in terms of this section must not extend beyond the earlier of-

a)        the conclusion of a hearing into the complaint; or

b)        the date that is six months after the date of issue of the interim order.


3)        If an interim order has been granted, and a hearing into that matter has not been concluded within six months after the date of that order, the Tribunal, on good cause shown, may extend the interim order for a further period not exceeding six months.

150. Orders of Tribunal

1)        In addition to its other powers in terms of this Act, the Tribunal may make an appropriate order in relation to prohibited conduct or required conduct in terms of this Act, including-

a)        declaring conduct to be prohibited in terms of this Act;

b)        interdicting any prohibited conduct;

c)        imposing an administrative fine in terms of section 151, with or without the addition of any other order in terms of this section;

d)        confirming a consent agreement in terms of this Act as an order of the Tribunal;

e)        condoning any non-compliance of its rules and procedures on good cause shown;

f)          confirming an order against an unregistered person to cease engaging in any activity that is required to be registered in terms of this Act;

g)        suspending or cancelling the registrant’s registration, subject to section 57(2) and (3);

h)        requiring repayment to the consumer of any excess amount charged, together with interest at the rate set out in the agreement; or

i)          any other appropriate order required to give effect to a right, as contemplated in this Act.

151. Administrative fines

1)        The Tribunal may impose an administrative fine only in the circumstances expressly provided for in this Act.


2)        An administrative fine imposed in terms of this Act may not exceed the greater of-

a)        10 per cent of the respondent’s annual turnover during the preceding financial year; or

b)        R1 000 000.


3)        When determining an appropriate fine, the Tribunal must consider the following factors:

a)        The nature, duration, gravity and extent of the contravention;

b)        any loss or damage suffered as a result of the contravention;

c)        the behaviour of the respondent;

d)        the market circumstances in which the contravention took place;

e)        the level of profit derived from the contravention;

f)          the degree to which the respondent has co-operated with the National Credit Regulator and the Tribunal; and

g)        whether the respondent has previously been found in contravention of this Act.


4)        For the purpose of this section, the annual turnover of-

a)        a credit provider at the time an administrative fine is assessed, is the total income of that credit provider during the immediately preceding year under all credit agreements to which this Act applies, less the amount of that income that represents the repayment of principal debt under those credit agreements;


b)        any other person, is the amount determined in the prescribed manner.


5)        A fine payable in terms of this section must be paid into the National Revenue Fund referred to in section 213 of the Constitution.

152. Status and enforcement of orders

1)        Any decision, judgment or order of the Tribunal may be served, executed and enforced as if it were an order of the High Court, and is binding on-

a)        the National Credit Regulator;

b)        provincial credit regulators;

c)        a consumer court;

d)        an alternative dispute resolution agent or the ombud with jurisdiction;

e)        a debt counsellor; and

f)          a Magistrate's Court.


2)        The National Credit Regulator may institute proceedings in the High Court on its own behalf for recovery of an administrative fine imposed by the Tribunal.


3)        A proceeding under subsection (2) may not be initiated more than three years after the imposition of the administrative fine.

Debt Counsellors

Marsia Kuypers

Tel: 082 396 2568

Fax: 086 556 3328

Area: Pretoria

Jan-Viljoen Coetzee

Tel: 084 549 1755

Fax: 086 621 9193

Area: Nina Park

Valerie Nakale

Tel: 018 381 8768

Fax: 018 381 8604

Area: Mafikeng

Dean Morris

Tel: 083 645 4094

Fax: 031 763 4363

Area: La Lucia

Joana Vivier

Tel: 053 832 6229

Fax: 086 543 4640

Area: Kimberley

Jacques Jooste

Tel: 011 794 7555

Fax: 011 794 9965

Area: Johannesburg

Marlene Stein

Tel: 012 667 4177

Fax: 086 527 2203

Area: Irene

Heidi Naude

Tel: 044 873 0281

Fax: 086 512 5012

Area: George

Herbert Theron

Tel: 011 472 0088

Fax: 086 655 6730

Area: Florida

Isabe Landman

Tel: 041 933 1189

Fax: 086 591 2676

Area: Despatch

Andiswa Tinto

Tel: 021 431 9134

Fax: 086 523 7084

Area: Cape Town

Jaco Janse Van Rensburg

Tel: 082 568 4969

Fax: 086 645 0389

Area: Barberton

Monique Snyders

Tel: 032 946 3024

Fax: 086 588 4605

Area: Ballito

Christopher Beukes

Tel: 084 2577599

Fax: 021 637 5023

Area: Athlone

Lydia Kinnear

Tel: 082 824 6338

Fax: 086 537 5976

Area: Annlin

Anlizette Schuurman

Tel: 031 903 3840

Fax: 031 701 5570

Area: Amanzimtoti

Kelebogile Mooketsi

Tel: 082 299 3430

Fax: 086 695 3280

Area: Amandasig

Annerie Marais

Tel: 083 703 0486

Fax: 045 838 6572

Area: Aliwall North

Rerandzo Mokgwatlheng

Tel: 082 430 6329

Fax: 011 805 8348

Area: Alexandra Township

Daniel Lezar

Tel: 011 907 1022

Fax: 011 907 1490

Area: Alberton